About Us
At 118 118 Money we are dedicated to helping Britain achieve financial fitness. In 2023 we relaunched the iconic 118 118 twins which reinforced our commitment to improving the financial fitness of people across the country. Our loans and credit cards are designed for those who are often overlooked by mainstream lenders and we have supported more than 800,000 customers on their journey to better financial wellbeing.
We are building on this mission with the launch of 118M8, our new financial fitness app designed to help people take control of their money with confidence. The app will provide simple tools, helpful guidance and clear support to make financial decisions feel less stressful and more achievable.
Our vision is to champion financial fitness across Britain by offering accessible products, valuable resources and reliable support. We are committed to fair and transparent credit solutions that promote financial wellbeing for all.
With a 4.8 Trustpilot rating we are proud to be seen as an approachable lender that provides clear financial support. If you want to make a real difference to peoples’ lives, this could be the ideal opportunity to join our mission.
What you\'ll do:
As we modernise our technology stack, we are investing significantly in our decisioning capability, including the rollout of Taktile Decision Engine in 2026.
The Decision Engine Manager will be the owner and day‑to‑day steward of the Taktile Decision Engine for 118 118 Money. You will work closely with the wider business to manage change within the decision engine; ensuring safe deployment, strong governance and accurate execution across credit, fraud, affordability, pricing and customer management strategies.
Key Responsibilities
- Act as the primary owner of the Taktile Decision platform
- Manage change requests, prioritisation, and delivery within the engine
- Maintain strong change-control processes, documentation, versioning, and audit trails
- Build and maintain rules, strategies, flows, and champion/challenger tests
- Translate business and risk requirements into structured decision logic
- Develop and run test plans including unit, integration, regression, and back‑testing
- Work with Credit Risk, Marketing, Analytics, Fraud and Technology teams to manage strategy changes across the business effectively
- Support audits, control reviews, and regulatory requests.
- Identify opportunities to streamline and optimise decision flows
What you need:
- Experience with a decision engine (Taktile, Pega, Provenir, Blaze, PowerCurve, Zoot, etc.)
- Knowledge of credit risk decisioning in a regulated environment
- Ability to convert business requirements into rules and structured logic
- Experienced in testing and validating strategy changes
- SQL and/or Python skills for analysis and validation
- Understanding of data structures and API integrations
- Ability to manage stakeholders and prioritise a change roadmap
- High attention to detail and strong problem‑solving skills
- Calm and structured under pressure
- Strong written communication
- Passionate about building modern, controlled, auditable decisioning processes
What\'s in it for you?
- A competitive salary
- Flexible, hybrid working opportunities.
- Company bonus scheme - if the business does well, you should get rewarded for your hard work.
- 25 days annual leave, (plus bank holidays) increasing to 27 after two years service and 30 after five.
- Company pension scheme – we provide an enhanced pension scheme with generous employer contributions to set you up for the future which includes life cover of 4x your base salary.
- Eye test – you can claim a freebie each year, or if your needs change.
- Employee Assistance Programme - we offer membership to a recognised scheme to support you and your wellbeing.
- A strong ethos of equality, diversity, and inclusion.
- Wide business exposure, in terms of business disciplines, projects and stakeholders.
- Direct contribution to business transformation and growth.
- Huge learning and career progression opportunities.
- Being valued as an individual from our team.
- Full training, support and mentoring to develop a successful career in financial services.
Like what you’ve heard? Great - apply now!
As a candidate, we know the interview process can be daunting and it’s important that you have a great experience with us. We will do all we can to make sure you are fully informed and excited by our story so we get to see the best from you. If you need any adjustments made to help you with the interview process, just let us know by emailing claire.hinson@118118money.com and we’ll do our best to accommodate them.
Following your application, we will want to learn more about you, your motivations, experiences, and values. In turn, you get to learn about our business, our culture, the role and what we can offer you.
If you think you’d be great for the role, but don’t necessarily tick all the boxes, we’d still love to hear from you, so apply today and take the first step towards an excititing future!
Equal Opportunity Employer
At 118 118 Money we are passionate about equality, diversity, and inclusion. We are committed to being representative of different cultures, background, lifestyles, and groups, where everyone has an equal chance to succeed. It is our policy to treat everyone fairly and to ensure no one is disadvantaged or receives less favourable treatment. We recognise that everyone has different needs and while we can’t accommodate every flexible working request we are more than happy to have a conversation about it.
How we handle your data
118 118 Money requires your personal data to process your application for a position within our Company. If your application is successful through to telephone screening/interview, and you are not selected for a role, we may store your personal data for 12 months to enable our HR team to contact you should future roles be advertised.
Where you apply, but are not selected for telephone screening/interview, we will delete your personal data once the position is filled.
118 118 Money does not use automated decisioning or profiling when selecting candidates.
For your rights under GDPR please see our Privacy Policy.
Please be aware that should we pursue your application, all our Financial Services employees will be expected to complete background checks to assess suitability for employment, these include; a criminal record, identity, sanctions, adverse finance, fraud prevention and reference checks to comply with our regulatory requirements.
